Our summer series finishes up with another song that probably takes many of us straight back to the 1980s. Maybe you remember the opening guitar riff. Maybe you remember the groundbreaking music video. Or maybe you just remember when MTV…
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The Hidden Risks of Leveraged ETFs Every Investor Should Understand
There are risks in the market that feel obvious, like volatility, interest rates, and inflation. Then there are the risks that don’t feel like risks at all until it’s too late. And they could be hiding in plain sight. I…
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“What a Feeling”: When Money Becomes Time, Freedom, and Choice
Ahhhh…the 80s. Big hair, big clothes, a space where grunge and preppy could coexist. Just thinking about some of the big hits on the Top 40 Countdown is enough to get anyone in their 50s and 60s nostalgic. That’s why…
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When the Risk Isn’t Worth the Reward: Understanding Asymmetrical Risk in Your Portfolio
There’s a point in every financial journey where the math subtly changes. Early on, taking risks tends to make sense. You have time, earning power, and the ability to recover from mistakes. But as you get closer to retirement –…
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Special Trust Scenarios: AMBTs, Sub-Trusts, and Trusts for Minor Children
You’ve now got a strong handle on how trusts interact with inherited IRAs — from see-through status to trust types, beneficiary classes, and RMD timing. But estate plans rarely fit neatly in one box. Real families often have special situations…
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Understanding Beneficiary Classes: Who They Are and Why They Matter for IRA Payouts
When a trust inherits an IRA, it’s not just the trust structure that determines how distributions work — it’s also who ultimately benefits from the money. The SECURE Act made this especially important by creating new beneficiary categories, each with its own…
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Conduit vs. Discretionary Trusts: How They Shape IRA Distributions
When a trust inherits an IRA, the question isn’t just who gets the money — it’s how and when they can take it. Once you’ve determined that your trust qualifies as a see-through trust, the next crucial step is figuring out what type of see-through trust it is. This…
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